thank you for joining us. benext, julie appleby will talking about the decision to delay limits on out-of-pocket expenses for consumers. later, a look at what to do about the ongoing controversy about whether to build a nuclear waste build in nevada. but first a news update. >> new jersey is about to become the second state to ban so- called conversion therapy, which attempts to turn gay teenagers straight. the governor plans to sign a bill today. california is the other state to ban the practice. inp demographic differences how parents see teachers, schools, and their own rules in their children's education. minority ands that low income parents are more likely to see serious problems than those who are affluent or white. a majority of black parents think they have a lot of influence over their child's education. 34% of white parents think the same. chuck hagel holds his first pentagon meeting with his chinese counterpart this morning. issues include chinese cyber attacks and china's handling of edward snowde